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Health, Dental, and Life Insurance

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Health Insurance

Eligible employees may enroll in health coverage through the state group insurance program from a choice of two insurance carriers (Blue Cross Blue Shield or Cigna). The available options include:

  • Partnership PPO – employees participating in the partnership option will benefit from lower premiums, co-pays, and coinsurance costs.  This option requires a commitment to complete the Partnership Promise.
  • Standard PPO – employees participating in the standard option are not required to complete the Partnership Promise.
  • Wellness HealthSavings CDHP -– employees participating in the Wellness option will benefit from lower deductibles, out-of-pocket maximums, and coinsurance costs when compared to the HealthSavings CDHP without Wellness.  In addition, Wellness participants will receive an annual employer contribution to a HSA depending on coverage level.  This option requires a commitment to complete the 2016 Partnership Promise. 
  • HealthSavings CDHP -employees participating in the HealthSavings (without Wellness) option are not required to complete the Partnership Promise.  Participants enrolled in this option will not receive an annual employer contribution to a HSA, however, they may elect to contribute their own money to an HSA via payroll deductions or banking deposit transactions.PDF icon CDHP Newsletter

BlueCross BlueShield

NOTE: The information in the PDF directory is only 100% accurate on the day it is printed. It is not uncommon for this information to change as providers and facilities join and leave the carrier's networks. You can find the most up to date information by calling member services or doing an online search.

Cigna 

         NOTE: The information in the PDF directory is only 100% accurate on the day it is printed. It is not uncommon for this information to change as providers and facilities join and leave the carrier's networks. You can find the most up to date information by calling member services or doing an online search.

Member Handbooks

Insurance Comparison Charts & Premiums

Dental Insurance

Eligible employees can choose from two dental plans:

  • Prepaid Plan
  • Dental Preferred Provider Organization

View a comparison of the plans' benefits »

Cigna - Prepaid Plan

The Prepaid Plan provides services at predetermined copay amounts from a limited network of participating dentists and specialists.

  • To receive benefits, you must select a dentist from the Prepaid Plan list and notify Cigna of your selection. You can search for participating dentists on Cigna's website.
  • There are some areas in the state where the network dentists are not available. Be sure to carefully review the provider directory. Some dental offices may be closed to new enrollment.
  • You must use your selected dentist to receive benefits.
  • The plan provides services at predetermined member copay amounts (reduced fees) for dental treatments.
  • There are no deductibles to meet, no claims to file, no referrals, no waiting period and no annual dollar maximum. Pre-existing conditions are covered.

You can search for participating dentists on Cigna's website — select the Cigna Dental Care HMO network.

Cigna Member Handbook
View instructions on locating a Cigna dental provider

MetLife - Dental Preferred Provider Organization  

The Dental Preferred Provider Organization (DPPO) provides services with member coinsurance rates. Any dentist may be used to receive benefits, but member cost will be less if an in-network provider is used.

  • Use any dentist (receive maximum benefits when visiting an in-network MetLife DPPO provider).
  • Member pays coinsurance for covered services.
  • Deductible applies for basic and major dental care only.
  • You or your dentist will file claims for covered services.
  • Referrals are not required.
  • Some services (e.g. crowns, dentures) require a 6-month waiting period before benefits begin.
  • Other services (orthodontics, replacement of missing tooth) require a 12-month waiting period before benefits begin.
  • There are some limitations and exclusions, (e.g. no benefit for cosmetic reasons, congenital malformations, diagnosis or treatment of TMJ.

You pay coinsurance for many covered services and your share is based on the "maximum allowable charge" (MAC) for a given service. You will pay less out-of-pocket when seeking care from a network provider because network dentists and specialists typically agree to the allowable charge up front. Out-of-network providers typically charge more than the allowable charge, resulting in higher costs for you.

You can search for participating dentists (select the PDP network) and print temporary ID cards at  MetLife's website .

MetLife Member Handbook

Dental Comparison Charts & Premiums

 

Vision Insurance

EyeMed

Pharmacy Program

Your health insurance benefits include pharmacy benefits. This benefit is included for you and all enrolled dependents when you enroll in health insurance. Pharmacy benefits are administered by Caremark.

The state's prescription drug plans require a copay. How much you pay depends on how the prescription is filled.

  • Members pay the lowest amount for a generic (tier one) drug. A generic medicine is FDA approved and equal to the brand name product in safety, effectiveness, quality and performance.
  • Members pay a higher amount for a preferred brand (tier two) drug. Many popular and highly used preferred brands are included on the drug list.
  • Members pay the highest amount for a non-preferred brand (tier three) drug. These belong to the most expensive group of drugs. These drugs are not included on the drug list.
  • CVS Caremark is the pharmacy benefits manager for all plan members regardless of which healthcare option you select.  CVS will mail a welcome packet to all new members with prescription cards for yourself and one for each covered dependent.  Carry this card in addition to your current medical ID card.
     
  • PDF icon Caremark Handbook
  • Caremark Member Home Page

 Life Insurance

Basic Group Term Life Insurance

The State provides the first $20,000 in coverage at no cost.  Employees who choose State-sponsored health insurance are eligible for higher coverage levels and they pay the premium costs for coverage over $20,000.  The maximum benefit amount is $50,000.  In addition, their eligible dependents (spouse and children) are covered for $3,000.

Basic Accidental Death and Dismemberment Insurance

The State provides the first $40,000 in coverage at no cost.  Employees who chose State-sponsored health insurance are eligible for higher coverage levels and they pay the premium costs for coverage over $40,000.  The maximum benefit amount is $100,000.  In addition, their dependents (spouse and children) are eligible for basic accident insurance coverage, with the amount based on the employee's salary and family composition.

Optional Accidental Death and Dismemberment Insurance

Employees can choose optional accident insurance coverage for themselves and their dependents (spouse and children).  This is in addition to their basic accidental coverage.  They pay the full premium for this coverage.  Coverage amount is based on salary and the maximum benefit amount is $60,000 for employees.  Coverage amounts for spouse and children are based on salary and family composition.

Optional Term Life Insurance

  • If you qualify, you may be able to purchase optional coverage from Minnesota Life for yourself and your dependent spouse and children
  • If you are currently enrolled and are eligible for employee guaranteed issues increase, information will be mailed to you.
  • If you and/or your dependent spouse are not presently enrolled, you will be required to present evidence of insurability through a health questionnaire.